Same DayAndNext DayDeposits

HIGH RISK – NO PROBLEM !!

Businesses of all types come to us every day after being turned down by others. We offer an extremely reliable and robust solution that never goes down, is fully secure and solid….
Some industries we process for include:

MLM

Travel

Tickets

Telemarketing

Herbal /supplements

Credit/debt products and services

High ticket and High volume

Dating

Digital downloads

Subscription

Medical billing

We process virtually every legal industry and entity,

however pricing may be slightly higher for high risk industries.

WHY CHOOSE ZCHEX

In business for over 10 years

Solid reputation in the industry

Eliminate your clients mailing your payments

You can process their check payment instantly

Ranked #1 by small and large businesses worldwide

No contracts or minimums

No startup or monthly fee

Deposit to any bank - no restrictions

Compile daily, weekly, and monthly reports and export to PDF or Excel for easy accounting

Lowest rate in the industry

Check batching and uploading

Single or recurring payment options

Can be used anywhere you have internet access

State of the art API with unlimited flexibility to meet all your business needs

Open ended agreement - you can cancel anytime, no questions asked

Works worldwide by processing and converting the payment to the value of your currency

CONSOLIDATED RETURNS

Solid Consolidation Returns Program

ZCHEX's consolidated returns program, can help your business reduce your returned check bank fee to as little as $2 per check or less, and improve your overall rate of collection by accelerating the returns process.
Your financial institution may currently be charging you $5 or more for each returned item. ZCHEX's consolidated returns process can reduce this fee by 50-75%. All that is involved is using a special endorsement stamp for all of your checks that are provided at no charge. This stamp tells the banking system to send all of your returned items straight to ZCHEX's consolidated returns account, bypassing your bank and their fees. Furthermore, your account is debited the total of all bounced checks and a greatly reduced fee once a week from an account you designate. This saves time and effort on accounting as well since all bounced checks are reduced to a one line item per week.

Step by Step of Consolidated Returns Program

A special endorsement stamp is created for the merchant

All checks are endorsed and deposited

Checks that are returned such as NSF are sent to our consolidated returns account

The returned checks are scanned and uploaded to our online reporting system

Returned checks can be sent to recovery

ZCHEX debits you for the face value of the check, along with the returned item fee

Benefits of Consolidated Returns

You are quickly notified when someone bounces a check to you to help prevent further loss

Ideal companion service to an electronic check recovery service

Works to your advantage, whether it is 1 location, or multiple locations

If you're not sure which solution is the best one for your business please fill out a Contact Request form and a ZCHEX's staff will contact you shortly. For immediate assistance, please contact us toll free at 800-476-4938 or by emailing us at info@zchex.com.

ZCHEX CHECK PROCESSING

Quick & Efficient way for Merchants to Electronically Process all their Checks

With our ZCHEX /Remote Deposit Capture service, you can transmit check images directly to your bank account, rather than visiting the bank each time you need to deposit checks. Using a small check scanner, computer, and internet connection you can electronically transmit and deposit any number of checks anytime of the day or week. If you have multiple locations this is the perfect solution whether you are depositing to multiple banks, multiple accounts or if you want to consolidate all your deposits into one account. All deposits for all locations can be viewed online at anytime this includes viewing the actual checks deposited.
ZCHEX is a federal law that enables banks to process checks electronically, which makes check processing faster and more efficient for the bank. Currently, banks must physically transport original paper checks from the bank where the checks are deposited to the bank that pays them in an inefficient and costly process. ZCHEX allows financial institutions to substitute the original paper check with an image of the item thus electronically forwarding the check throughout the system instead of it being physically sent through. This greatly reduces the time it takes for the check to clear and/or be returned unpaid. To further increase efficiency merchants can implement the same type of technology right in their own location thus affording merchants the same efficiencies the banks have. Now instead of physically taking paper checks to the bank, merchants can electronically deposit all checks (consumer, business, government, money orders, cashier checks, and more) without leaving their location. Through our internet driven interface and a check imager merchants capture an image of the front and back of the check along with the associated payment information and transmit this information to their OWN bank. By processing checks electronically both settled and dishonored checks are posted quicker, and if you utilize our Consolidated Returns Program you can significantly reduce the return item fee that you're currently being charged by your bank.
If you're not sure which solution is the best one for your business please fill out a Contact Request form and a ZCHEX agent will contact you shortly. For immediate assistance, please contact us toll free at 800-467-4938 or by emailing us at info@zchex.com.

ABOUT ZCHEX

Businesses of all type come to us every day after being turned down by others. We offer an extremely reliable and robust solution that never goes down, is fully secure and solid . Some industries we process for include.